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Q4 2026: this quarter's 5% categories

Chase Freedom Flex®

5% on Charity & Donations, Dining & Restaurants, Groceries — up to $1,500. Activate first.

Discover it® Cash Back

5% on Dining & Restaurants, Entertainment, Internet & Cable, Phone & Wireless, Utilities — up to $1,500. Activate first.

Discover it® Secured Cash Back

5% on Dining & Restaurants, Entertainment, Internet & Cable, Phone & Wireless, Utilities — up to $1,500. Activate first.

Discover it® Student Cash Back

5% on Dining & Restaurants, Entertainment, Internet & Cable, Phone & Wireless, Utilities — up to $1,500. Activate first.

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Biggest welcome bonuses right now

The Platinum Card® from American Express
Up to 175,000 points after $12,000 in 6 months (offers vary) · worth ~$3,500 · $895/yr
American Express® Gold Card
Up to 100,000 points after $8,000 in 6 months (offers vary) · worth ~$2,000 · $325/yr
Chase Sapphire Reserve®
100,000 Chase Ultimate Rewards after $6,000 in 3 months · worth ~$2,000 · $795/yr
Citi® / AAdvantage® Executive World Elite Mastercard®
100,000 AAdvantage Miles after $10,000 in 90 days · worth ~$1,550 · $595/yr
Chase Sapphire Preferred® Card
75,000 Chase Ultimate Rewards after $5,000 in 3 months · worth ~$1,500 · $95/yr
Citi Strata Elite℠ Card
75,000 ThankYou Points after $6,000 in 90 days · worth ~$1,425 · $595/yr

Offers change often and can vary by person — confirm on the issuer's site.

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